Health Insurance

Family Health Insurance Plans

Name: Buy Health Insurance Plans for Family Online in India 2025
Brand: Bajaj General Insurance
Rating: 4.7 (1208 reviews)

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Protect your Family’s Health.

Family Health Insurance Plans - Zero GST, Maximum Protection

Coverage Highlights

Key benefits

Wide Options

Choose a sum insured that fits your budget, ranging from ₹1 lakh to ₹25 lakhs.

Quick Claim Settlement

Claims are processed directly by us, ensuring faster and more efficient settlements.

Lifetime Renewal

Enjoy uninterrupted health coverage for yourself and your family by renewing your policy every year.

No Medical Tests

No medical tests are required for individuals up to 45 years of age.

Preventive Check-ups

Avail free preventive health check-ups to encourage regular health monitoring and early detection of potential health issues.

Reinstatement Benefit

Get your sum insured reinstated after exhaustion due to a claim.

Key Inclusions

What’s covered?

Hospitalisation Expenses

Covers hospitalisation costs, including a choice of room types and all types of daycare procedures and surgeries.

Pre and Post-Hospitalisation Expenses

Covers medical expenses for up to 60 days before and 90 days after hospitalisation, with options for customisation as needed.

AYUSH Hospitalisation

Covers medical expenses for alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy when prescribed by a doctor for illness or injury.

In-patient Hospitalisation

Includes expenses for room and boarding, ICU, nursing care, surgeon fees, anaesthesia, and other necessary treatments as prescribed by a doctor.

Road Ambulance

Reimburses reasonable ambulance expenses per valid hospitalisation claim when availing services from a healthcare or ambulance provider.

Organ Donor Expense

Covers the medical costs for an organ donor's in-patient treatment when harvesting an organ for the insured person.

Reinstatement Benefit

Restores 100% of the base sum insured for in-patient hospitalisation, ensuring full coverage for the policy year.

Daily Cash Allowance

Provides a fixed daily cash benefit during hospitalisation to help cover incidental expenses not included in the primary health insurance.

Modern Treatment

Covers medical expenses for treatments using modern technologies and advanced procedures

Key Exclusions

What’s not covered?

Waiting Period

A mandatory initial waiting period of 30 days applies for hospitalisation due to illness or sickness. However, accidental hospitalisation is covered from day one.

Pre-Existing Disease

A waiting period of 36 months applies to pre-existing conditions such as diabetes, high blood pressure, thyroid disorders, asthma, etc.

Specific Disease/Procedure

A 24-month waiting period applies to expenses related to the treatment of specified conditions, surgeries, and medical procedures.

Investigation & Evaluation

Medical expenses solely for diagnostic or evaluation purposes that are not related to the current diagnosis and treatment are not covered.

Dietary Supplements

Expenses for vitamins, minerals, and organic supplements purchased without a prescription are excluded unless prescribed by a medical practitioner as part of hospitalisation or daycare treatment.

Cosmetic Surgery

Any treatment undertaken for aesthetic purposes is not covered unless it is required for reconstruction following an accident, burns, or medically necessary treatment.

Self-Inflicted Injuries

Expenses arising from self-inflicted injuries, suicide attempts, insanity, or involvement in illegal activities are not covered.

Deductibles & Co-Pays

A portion of the claim will need to be borne by the policyholder, as per the terms of the policy.

Additional Services

What else can you get?

Non-Medical Expense

Covers typically excluded non-medical items in standard health insurance policies.

Maternity Cover

Provides financial support for delivery expenses, prenatal and postnatal care, and newborn medical costs

Bariatric Surgery Cover

Provides financial support for weight-loss procedures like gastric bypass, covering expenses if medically necessary due to obesity-related health conditions, as per policy terms.

What Is Family Health Insurance Plan?

A family health insurance plan is a type of health coverage that protects all members of a family under a single policy. Instead of buying separate plans for each individual, the entire family shares one sum insured, making it a cost-effective and convenient option. These plans generally cover medical expenses such as hospitalisation, surgeries, daycare procedures, and pre- and post-hospitalisation costs.

The Family Health Care plan from Bajaj General Insurance is an annual family floater policy that enables policyholders with in-house claim settlement, lifetime renewal, income tax benefits and a free look period.

Quick Overview

1
Financial Protection : Investing in a family health insurance policy helps you and your family manage medical treatment costs by covering various healthcare expenses.
2
One Plan for All : It is easy to manage since it allows families to come under a single policy to prepare for unexpected healthcare needs.
3
Easy Claim Process : Policyholders can avail cashless treatment at network hospitals or submit the required medical records and bills to seek reimbursement for covered expenses.
4
Key Features : Depending on the chosen plan, the policy may offer benefits such as hospitalisation cover, day care treatment coverage, ambulance expenses, and more.
5
Affordable Premium : Cost-effective coverage with lower premiums than separate individual health insurance plans for each family member, making healthcare protection affordable for families.
6
Key Exclusions : Certain treatments and expenses, including those subject to waiting periods, non-medical consumables, cosmetic procedures, and other policy-specific exclusions.

Key Features & Benefits of Buying Health Insurance Plans for Family

Here are some of the key features and benefits of health insurance plans for parents and children:

One Plan for Family

Investing in family health insurance coverage enables policyholders to bring their parents, children and spouses under a single umbrella. So, it becomes simple in terms of documentation and management.

Affordable Than Individual Plans

Compared to individual plans, a single medical insurance plan for family members is affordable. Insurers charge a consolidated premium where every member shares the same sum insured.

Offers Tax Savings

Family health insurance with tax benefits under Section 126 of the Income Tax Act 2025 allows individuals owning family health insurance to claim deductions up to ₹1 Lakh in a financial year.

Easy Renewal

The best family health insurance plan in India ensures long-term protection through easy renewability. You can either opt for auto-renewability or do it manually at the end of the policy year.

Allows Preventive Health Checkups

The most robust health cover for the entire family in India allows policyholders to avail of preventive health care checkups annually. They can redeem wellness points in exchange for free tests.

Covers Organ Donor Expenses

Family health insurance plans cover organ donor expenses starting from harvesting to transplanting into the recipient. It includes operation, nursing charges, in-patient room rent and surgeon fees.

Provides Maternity Cover

Family health insurance owners can choose maternity cover as an add-on or in built-in comprehensive plans. It covers delivery expenses, antenatal and postnatal care, and routine care for the newborn.

Covers AYUSH Treatment Expenses

Those who are interested in alternative treatment involving AYUSH (Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy) can cover such expenses with a family floater plan.

Promotes Wellness

Family floater plans promote wellness by shifting focus from treating an illness to its prevention. They do that by offering reward points for maintaining a healthy lifestyle and offering therapies.

Family Health Insurance at a Glance

Here are some of the key features of family health insurance and what they mean:

Sr No.	Features	What is it
1	Sum Insured Option	It is the maximum amount the insurer pays to cover medical expenses throughout the policy year. It ranges between ₹1 lakh and ₹25 lakh, depending on the coverage.
2	Room Rent Limit	The room rent limit is the maximum amount you will get for each day of hospitalisation. It usually is 1% of the sum insured amount.
3	Modern Treatment Method	Whenever advanced and high-tech medical treatments are involved, your insurer pays 50% of the sum insured.
4	Pre and Post Hospitalisation	It refers to the amount an insurer pays before hospitalisation and after hospitalisation. Depending on the plan, it varies between 30 days and 60 days.
5	Sum Insured Reinstatement Benefit	This benefit allows your base sum insured amount to replenish once it gets partially or completely exhausted. The coverage can be reinstated up to 100%.
6	Road Ambulance Cover	The road ambulance cover provides transportation charges for a patient during a medical emergency. Your insurer determines the amount depending on the policy type.
7	Hospital Cash Benefit	It is a supplementary cover that offers a fixed or pre-determined daily sum for each day a policyholder spends at a hospital.

Why Should You Buy Bajaj General Family Health Insurance?

If you are looking for the best health insurance for family, including parents, then choose Bajaj General Family Health Insurance. Here is why:

Availability of Cashless Cover

We allow our policyholders to avail cashless benefits seamlessly. You can either use the app-based claim submission process or use our 24/7 cashless claim facility.

Faster Claim Settlement

Whether you are opting for a cashless or a reimbursement claim, we ensure that the claim is settled fast. Since our claim settlement process is handled digitally, you will not even need to undergo paperwork.

Flexible Plans

From budget-friendly to exclusive, our plans are flexible, so policyholders will not have to compromise on the coverage. You can customise the plans as per your own requirements.

Lifetime Renewability

Irrespective of which plan you choose, we guarantee lifelong renewability of all our health insurance plans, irrespective of age or health condition. Once you purchase, we will ensure renewal on time to avoid policy lapse.

Hybrid Policy Purchase

Bajaj General Insurance believes in inclusivity. So, besides online policies, we offer offline policies too. So, those who are comfortable with offline policy purchase, we are glad to help them as well.

Reputable and Trustworthy

We have been known for our high claim settlement ratio, transparency, customer support, and client-centric services for decades. Millions of customers believe in us when it comes to suggesting ideal cover or services.

Simple Co-Payment Clause

Our cost-sharing agreement with our policyholders is pretty simple. We specify a particular percentage that our policyholders pay out of pocket; the remaining amount we cover.

Quick Quote Generation

The official website of Bajaj General Insurance is extremely user-friendly. We not only allow you to generate quick quotes, but also enable you to compare different policies easily with a few clicks.

Wider Sum Insured Amount

The sum insured under our family health insurance plans ranges from ₹1 lakh to ₹25 lakh. Regardless of the number of family members covered or your budget, you can choose a plan that best suits your needs.

Why Insure Your Health with Bajaj General?

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Cashless Coverage

Access 18,400+ hospitals, all cashless!

Quick Claim Settlement

Sixty minutes is all it takes!

Cumulative Bonus

Get more!!

Claim-On-The-Go

Get instant claim payout upto INR 20,000 through our App.

Choice of Sum Insured

Custom-create a health plan for yourself

Top Reasons to Choose the Bajaj General Health Guard Policy

Bajaj General Health Guard Policy is an all-rounder health cover that guards your family. Here is why you can consider this plan:

Maternity and Newborn Care Cover

Under the gold and platinum plans of the health guard plan, you can cover maternity expenses, including necessary treatments for newborn babies, for up to 90 days.

Preventive Care Cover

Bajaj General Insurance’s Health Guard plan allows policyholders to choose preventive check-ups at regular intervals. In return, they get reimbursements. This encourages proactive healthcare.

Pre and Post-Hospitalisation Cover

We cover pre- hospitalisation care up to 60 days, and post-hospitalisation care up to 90 days. This type of coverage includes diagnostic tests, doctor consultations and medicines.

Beneficial Cumulative Bonus

A cumulative bonus in family health insurance is the financial reward a policyholder receives for maintaining a claim-free policy year. Our health guard policy allows policyholders to accumulate a cumulative bonus that can be redeemed at renewal.

Pre-Policy Checkups

When it comes to onboarding our Health Guard Policy, we do not ask our policy seekers to undergo medical treatment up to the age of 45. However, if there is a pre-existing health condition or the policyholder is aged above 45, we arrange relevant medical tests.

Organ Donor Expenses Cover

The Health Guard plan covers organ donor expenses if a policyholder undergoes an organ transplant. The coverage supports both the donor and the receiver.

Promotes Wellness

If policyholders can maintain their health parameters through a healthy lifestyle and diet, we offer online renewal savings of up to 10%. In addition, we offer 2.5% savings if they meet recommended step counts.

Unlimited Reinstatement and Recharge Benefit

Whereas unlimited reinstatement infinitely restores the full sum insured upon exhaustion, the recharge benefit triggers an automatic top-up of the coverage pool when the base amount gets depleted.

Bariatric Surgery

Bariatric surgery, which is a surgical procedure performed on the digestive system to help individuals with severe obesity, is covered under our Health Guard plan. Although the waiting period is 36 months, we cover this surgery.

Individual Health Insurance vs. Family Health Insurance Comparison

Deciding between individual health insurance and family health insurance depends largely on your family's age, medical history, and specific needs.

Check out the table below for a better understanding:

Parameter	Individual Health Insurance	Family Health Insurance
Definition	A dedicated sum insured for one individual.	Shared sum insured for multiple family members.
Premium	Depends on the individual's age and health condition.	Premium depends on all family members’ age, health condition and lifestyle.
Key Advantage	Ideal for personalised coverage, where extensive care is required.	Beneficial for families looking for a cost-effective premium.
Claim Process	Only the insured person can claim benefits.	All family members are eligible to make a claim.
Ideal For	Families that have senior members and individuals with high health risks.	Smaller, younger families without high-risk medical needs.
Focus	Focuses on tailored benefits that contribute to better personal health management.	Focuses on affordability, comprehensiveness and shared benefits among all members.

Things to Consider Before Buying a Family Health Insurance Plan

1
Sum Insured : Choose an adequate sum insured to cover all family members, especially those with pre-existing conditions or specific medical needs.
2
Premium Costs : Premiums increase with the sum insured and the age of the eldest family member. Select an affordable option that provides comprehensive protection without straining your budget.
3
Network Hospitals : Bajaj General Insurance Limited has a broad network of hospitals across India, offering cashless treatment to reduce upfront payment burdens during emergencies.
4
Pre/Post-Hospitalisation Coverage : Ensure your plan includes expenses for doctor visits, diagnostic tests, and medications both before and after hospitalisation.
5
Daycare Procedures : Check if daycare treatments are covered, as these don’t require a 24-hour hospital stay but can be costly.
6
Ambulance Services : Confirm if ambulance charges are included, as these can provide valuable support in emergencies or for planned treatments.

Family Health Insurance Claim Process

When you are opting for cashless claims under family health insurance plans, the process is as follows:

Claim By Direct Click

Fill the claim form and arrange for the hospital-related documents.

Upload the documents using the app menu.

Submit the claim for further processing.

Get confirmation within a few hours.

Cashless Claim Process (Only at a Network Hospital)

Get the pre-authorisation request form filled and signed by the treating doctor/hospital.

The network hospital will send the request to HAT.

HAT doctors will examine the pre-authorisation request form.

An authorisation letter/denial letter/additional requirement letter will be issued.

At the time of discharge, the hospital will share the final bill and discharge details with HAT.

Based on their assessment, the final settlement will be processed.

Aspects of Cashless Claim Settlement That the Policy Does Not Cover

1
Non-Medical Charges: Policyholders have to pay for non-medical charges before discharge at the hospital. These include the telephone charges, food and beverages for relatives, and toiletries.
2
High Cost Room Charge: Although in a comprehensive family floater plan, room rents and nursing charges are included, policyholders have to pay the incremental charges if a higher-cost room is used.
3
Out of Coverage Treatment : If, after verifying the claim request, the insurer finds that the treatment mentioned in the claim form does not fall under policy coverage, the claim will be denied.
4
Incomplete Pre-Authorisation Details: If the policyholder is unable to furnish sufficient medical information related to the treatment or health condition, the insurer has the full authority to deny the pre-authorisation of a cashless claim.

Reimbursement of Pre-/Post-hospitalisation Process (In Case of a Non-network Hospital)

To make a reimbursement claim under Bajaj General’s family health insurance, follow these steps:

Inform the BGIL HAT team about the hospitalisation.

To register your claim online, click here.

To register your claim offline, please call us on our toll-free number: 1800-209-5858.

After discharge, you or a family member must submit the necessary claim documents to the HAT within 30 days.

** Get the list of the reimbursement claim documents in the following section.

Documents Required for Reimbursement Claim

Here are some of the mandatory documents you need to submit while making a reimbursement claim under Bajaj General’s family health insurance:

Duly filled and signed claim form with mobile number and email ID.

Original hospital bill and payment receipt

Investigation report

Discharge card

Prescriptions

Bills of medicines and surgical items

Details of pre-hospitalisation expenses (if any)

In-patient papers, if required

Step-by-Step Guide

How to Buy Family Health Insurance Online?

How to Buy

1

Visit Bajaj General website
2

Enter personal details
3

Compare health insurance plans
4

Select suitable coverage
5

Check discounts & offers
6

Add optional benefits
7

Proceed to secure payment
8

Receive instant policy confirmation

Buy Now

How to Renew

1

Login to the app
2

Enter your current policy details
3

Review and update coverage if required
4

Check for renewal offers
5

Add or remove riders
6

Confirm details and proceed
7

Complete renewal payment online
8

Receive instant confirmation for your policy renewal

Renew Now

How to Claim

1

Notify Bajaj General about the claim using app
2

Submit all the required documents
3

Choose cashless or reimbursement mode for your claim
4

Avail treatment and share required bills
5

Receive claim settlement after approval

Claim Now

How to Port

1

Check eligibility for porting
2

Compare new policy benefits
3

Apply before your current policy expires
4

Provide details of your existing policy
5

Undergo risk assessment by Bajaj General
6

Receive approval from Bajaj General
7

Pay the premium for your new policy
8

Receive policy documents & coverage details

Port Now

Download Policy Document

Get instant access to your policy details with a single click.

Brochure

Policy Wordings

Proposal Form

Claims Form

CIS Wordings

Download

What are the Family Health Insurance Terms You Need to Know About?

1
Scope of Coverage: The scope of coverage refers to information related to the medical treatments and procedures the insurer will cover. It varies from one insurer to another, so compare family health insurance plans online before buying.
2
Policy Period Limit: It is the specific time frame, mostly 12 months, when the family medical plan remains active. This time allows you to utilise the benefits, claim reimbursements and accumulate a cumulative bonus.
3
Individual Vs Floater: Whereas a floater plan covers all family members and comes at an affordable premium, an individual plan is limited to one person and is expensive. Choose after analysing your personal requirements.
4
Waiting Period: Suppose you have purchased a family health insurance for a specific disease. The waiting period is the time you must wait before the insurer covers the treatment expenses for that disease.
5
Copayment: A copay is the fixed out-of-pocket charge a policyholder pays within a family health insurance plan. It is a shared payment option that policyholders choose to reduce their policy premiums and identify predictable costs.
6
Deductible: It is the expense a policyholder bears before the health insurance coverage starts to contribute. Whereas the deductible is an annual amount that resets annually, the copay is the ongoing amount applicable to every medical treatment.
7
Policy Exclusion: Policy exclusion refers to the specific medical conditions a health insurance provider does not cover. The most common exclusions are cosmetic surgeries, substance abuse, self-inflicted injuries, experimental treatments and so on.
8
Network Hospitals: Policyholders who have chosen cashless claim benefits as part of their health plan must visit a network hospital for necessary treatments. Treatments at these hospitals allow policyholders to avoid upfront payment.
9
Pre-Existing Condition: Before buying health insurance, if a policyholder has been diagnosed with diabetes, kidney issues, cancer or cardiac issues, it is called a pre-existing condition. Involvement of a pre-existing health condition leads to a higher premium.
10
Rider: Riders or add-ons in a family health insurance policy enable policyholders to extend their coverage on top of the base cover. Although optional, these allow you to tailor policy coverage up to a great extent.

Eligibility Criteria to Buy a Family Health Insurance Plan

If you are wondering what is the eligibility criteria of purchasing a family health plan, here is a list of eligibility criteria to purchase a family health insurance plan at Bajaj General Insurance:

Citizenship: Both Indian citizens and Non-Resident Indians are eligible to apply for the family health insurance policy.

Group Definition Members: Both bank members and members who are part of IRDAI Group guidelines are eligible to enrol for this family policy.

Primary Adult Entry Age: The policyholder, spouse and parents need to be between 18 and 65 years of age at the time of entry.

Dependent Child Entry Age: The dependent children aged between 3 months and 65 years of age are eligible to be included in this family policy.

Who Can Be Included in a Family Health Insurance Plan?

Here is an overview of a few categories of eligible members who can be included in a family health insurance plan:

Primary Insured

The primary policyholder who acts as the main group member of an individual applicant is included as an insured member under the policy.
Dependent Children

Children aged 3 months to 25 years can be enrolled in the plan. Provided they meet the entry age criteria at the time of purchase.
Dependent Parents

Your dependent parents are also eligible to be enrolled in a family health insurance plan, provided they meet the entry age criteria at the time of purchase.
Legally Wedded Spouse

You can also include your legally wedded spouse under the policy to share medical coverage and hospitalisation benefits within the family plan.

When Should You Buy Family Health Insurance?

There are different life stages and milestones which call for a mandatory purchase of a family health insurance plan to have a convenient financial backup:

Newly Married

When starting a new family with your spouse, getting family health insurance is the ideal option. Furthermore, getting a combined health insurance plan when both partners are healthy will result in lower premiums.
Planning Pregnancy

A family health insurance plan offers maternity coverage and benefits that are not provided in a regular health insurance plan. You need to choose a plan which has benefits such as newborn coverage before planning pregnancy, as there can be an initial waiting period.
After Childbirth

Getting a family floater mediclaim policy after childbirth combines both your newborn and spouse under a single unified policy with a shared sum insured. This simplifies protection for a growing household.
Job Switch

Having an independent family health insurance plan when switching jobs makes sure that you get continuous protection during any gaps in employment. It also safeguards you against any kind of medical emergencies when the corporate coverage ceases.

Which Factors Affect the Premium for a Family Health Insurance Plan?

Here are a few factors which affect the premium of a family health insurance plan:

Age of Eldest Insured Member

The higher the age of the eldest insured member, the higher the premium of a family health insurance plan. This is because older individuals are more prone to have lifestyle diseases, require treatment and make claims for them.

Total Insured Members

The more members that you insure in a family health insurance plan, the higher the premium will be. Everybody's age and medical history will also be a contributing factor to the total amount of premium.

Lifestyle Factors

Insurers consider habits such as smoking and drinking alcohol as risk factors which lead to illnesses. With that regulation, if there are any members in the family who indulge in these kinds of habits, then the premium will be higher.

Sum Insured

A high sum insured automatically guarantees a higher premium amount. For instance, the premium amount for a ₹10 lakh family health insurance plan is less than that of a ₹20 lakh family health insurance policy.

Family Medical History

Having many existing conditions raises health insurance premiums significantly. For instance, even if you do not have any pre-existing conditions, but some of the family members have pre-existing ailments, it can lead to a higher premium.

Geographical Location

If you and your family members reside in a tier 1 or tier 2 city, your premium for family health insurance will be much higher. This is because the cost of treatments in medical facilities and centres is much higher in these places than in smaller towns.

Why Buy Health Insurance Plans for Family Online?

1
Safe Payment Mode: In this era of digitalisation, people now prefer online modes of payment over paying by cheque or cash. There are so many safe and secure online payment options such as credit cards, debit cards, digital wallets, and so on.
2
Fast Policy Issuance: Gone are the days when you needed to wait after payment to get policy documents. Nowadays, as soon as you purchase insurance online, you get access to the policy documents and other essentials.
3
Instant Quotes: There are so many different types of family health insurance policies available out there, and by purchasing online, you can easily compare their features and quotes. This helps you easily determine whether a policy is suited to your needs.
4
Ease of Convenience: Purchasing a health insurance plan for your family online is a very easy process. You will be able to compare different plans. Apart from that, you also do not need to fill out multiple forms during the time of purchasing the plan.

Common Mistakes to Avoid While Buying Family Health Insurance

When purchasing a comprehensive Family Health Insurance, you need to avoid getting a sum insured without making an assessment of the whole family's healthcare needs.

Here are a few other mistakes which you need to avoid when purchasing a family health insurance plan:

Neglecting Policy Exclusions

Many people do not read the policy documents properly and are completely unaware of the exclusions of their selected policy. It is important to read the policy wording so that you do not face any surprises later on.

Low Sum Insured

When you select a plan with a low sum insured, it can leave you with insufficient coverage. While you may think a low sum insured will incur a lower premium, in the long run, it will cost you more.

Dismissing Co-Payment

When a family health insurance policy has a higher premium, you end up paying more out-of-pocket expenses during every claim. It can be very concerning for a family health plan where there are higher chances of making repeated claims.

Neglecting Room Rent Cap

There is a room rent cap in every health insurance policy. Overlooking this factor of your policy can lead to more out-of-pocket expenses during hospitalisation. It is recommended to get a policy with an adequate room rent limit.

Dismissing Waiting Periods

If you do not check the waiting periods, such as the maternity coverage waiting period or the waiting period for pre-existing diseases, it will be troublesome when you try to make a claim for these clauses, as the insurer will deny your claim.

Non-Disclosing PED

Withholding your medical history during policy purchase with the insurer can lead to a claim rejection. It can even lead to a cancellation of your policy altogether. Hence, make sure that you are fully disclosing your complete medical information.

How to Save Tax with Family Health Insurance Plans?

Here is how you can save tax with a family health insurance plan:

Save on Premiums: Under Section 80D, you can claim up to ₹25,000 annually for premiums paid for a family health insurance policy.

Senior Citizen Parents Coverage: Get an additional tax deduction benefit of up to ₹50,000 yearly when insuring parents who are aged 60 years and above.

Combined Maximum Benefit: Get total tax savings which reach up to ₹75,000 by covering self, spouse and parents.

Old Tax Regime Restriction: The claim section of 80D tax deductions is not available under the new tax regime.

How Medical Inflation Can Impact You and Why Family Health Insurance is Essential

Here is how medical inflation impacts you and why getting family health insurance becomes essential:

General Inflation

Healthcare inflation significantly exceeds general inflation, which makes every medical facility very expensive.

Timely Access to Care

Health insurance ensures immediate access to quality hospitalisation without requiring any upfront payments first.

Protection of Savings

An insurance policy safeguards your personal savings and prevents a draining of funds during emergencies.

Prevents Delayed Treatment

An insurance policy ensures timely hospitalisation without any delay in treatment during the arrangement of money deposits.

Frequently Asked Questions

What is the AYUSH benefit under the family health insurance plans?

Bajaj General Insurance Limited will cover your expenses in case of hospitalisation of at least 24 hours in an AYUSH hospital, either a government facility or an institute recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health, on a doctor's advice due to illness or accidental injury during the policy period.

Are pre-existing diseases covered under the Family Health Care plan?

Yes, pre-existing illnesses are covered after the completion of the specified waiting period, provided the policy is continuously renewed without a break. Coverage is subject to medical underwriting and the terms mentioned in the policy document.

Does the Family Health Care plan cover ambulance charges?

Yes, the policy covers reasonable ambulance expenses incurred for transporting the insured to the nearest hospital in case of a medical emergency. The reimbursement is subject to the maximum limit specified in the policy schedule.

How does a family health insurance plan work?

In a family health insurance policy, the sum insured is shared amongst all the members covered in the said policy. Policyholders need to pay a single premium for the upkeep of this policy. This policy is ideal for your family members, including spouse, children and parents.

How can I add my family members to the existing family health policy?

You can add new family members to an existing family health policy by paying an additional premium. However, you cannot just add dependents to your pre-existing family policy in the middle of the policy term, as they can only be added during policy renewal. Only newborn babies are eligible to be added to a family policy in the middle of the policy term.

Is a family health insurance plan better than an individual health plan?

A family health insurance plan is better than separate individual policies for all your family members. This is because getting many individual family policies is going to be a costly affair instead of a shared family plan. Furthermore, it is also going to be a hassle to remember so many renewal dates if you get multiple individual family policies.

Is there any waiting period for family health insurance policies?

A family health insurance plan may have several waiting periods depending on the type of plan you get. For instance, an initial waiting period of 30 days is applicable from the policy inception date. Pre-existing disease coverage has a waiting period of 36 months.

What is health insurance for families?

Health insurance coverage for families offers coverage benefits for the entire family. In this type of policy, the sum insured is shared amongst all the family members covered under the same policy. These policies can cover your spouse, children and parents. It is a more affordable option than getting multiple individual policies for these dependent members.

Does health insurance for families cover pre-existing conditions?

A family health insurance policy covers pre-existing conditions of family members, but after an initial waiting period of 36 months. This can be reduced by getting a PED add-on, which would reduce the waiting time and make the coverage benefits kick in right from day one.

Will my family health insurance policy pay for maternity expenses?

A family health insurance policy’s benefit is that it offers maternity coverage. Furthermore, in order for maternity coverage to kick in under a family plan, the waiting period is 24 to 36 months. Make sure to read the policy terms and conditions in order to avoid any surprises during a claim.

Which health insurance is best for a middle-class family?

A middle-class family needs to get a health policy which offers coverage for the entire family at an affordable price. The plan should cover hospitalisation expenses, consumables, ambulance costs, and daycare procedures. The premium of a policy is another factor to consider before getting a family health insurance policy.

What is the coverage for organ donor expenses under the family health insurance plans?

We will cover expenses for a major organ transplant, including organ harvesting, provided the donor complies with The Transplantation of Human Organs (Amendment) Bill, 2011, and the organ is for the insured person. Coverage applies only if Bajaj General Insurance approves an inpatient hospitalisation claim for the insured.

What is the hospital cash benefit under the family health insurance plans?

If you are hospitalised on a doctor's advice, as defined in the policy, due to an illness or accidental bodily injury sustained or contracted during the policy period, we Bajaj General Insurance will pay you a daily allowance of ₹300 per day for each continuous 24-hour hospitalisation. This benefit is capped at a maximum of 30 days per policy period.

How do family health insurance plans help protect a family’s financial security?

Family health insurance plans help to protect the financial security of a family by providing coverage for medical expenses under a single unified policy. In this age and era of medical inflation, having a financial backup for any unexpected medical emergencies is always a win for your savings.

Can I remove a family member during the policy period?

Generally, you cannot remove a family member covered under a family health insurance during the middle of a policy tenure. This can only be done in the event of a family member’s demise. However, family members can be removed during renewal to ensure continuity of the policy.

Can I include my newborn in the family floater policy?

You can include your newborn in your family floater policy. For inclusion, you have to notify your insurer and submit all related documents within 30 to 90 days of the baby's birth.

Do I get the cashless treatment facility with a family health insurance plan?

A cashless treatment facility is available for all the covered members in a family floater policy at partner network hospitals. The cashless treatment facility ensures that you do not have to pay upfront to avail treatment during hospitalisation and while getting treatment. You will get the list of our partner network hospitals on our site.

Which is the best health insurance plan for husband and wife in India?

Our family health care policy is the best family plan for husband and wife in India. With our policy, you can get coverage for pre- and post-hospitalisation, daycare procedures, ambulance coverage, AYUSH coverage, organ donor expenses, domiciliary hospitalisation and more. All these benefits help you fight against concerns such as rising medical costs and unexpected medical emergencies.

What Does a Family Health Insurance Policy Not Cover?

There are a few exclusions in a family health policy coverage, such as unproven treatments, dental procedures, and preventable and vaccine-preventable diseases. It is ideal that you thoroughly read the policy terms and conditions when getting a family health insurance policy.

What Are The Tax Benefits I Get If I Opt For Family Health Insurance Policy?

Under Section 80D of the Income Tax Act, you can enjoy tax benefits such as ₹25,000 on your taxable income if no one in your family is aged above 60 years. Furthermore, if even one of your parents is above 60 years of age, you will be able to avail a deduction of up to ₹50,000 on taxable income.

What are the conditions for the portability of the family health insurance plans?

The insured beneficiary can port the policy to another insurer, including all family members, by applying at least 45 days but no earlier than 60 days before renewal, as per IRDAI portability guidelines. If continuously covered without lapses under any Indian health insurance policy, they will retain accrued continuity benefits for waiting periods.

What is the maximum number of claims allowed over a year?

Any number of claims is allowed for a family health policy during the policy tenure. However, it is to be noted that this is only until the maximum sum insured limit of the family health policy expires. In other words, the total payout for all the claims combined cannot exceed your maximum sum insured limit.

What is the cumulative bonus under the family health insurance plans?

If you renew your Family Health Care policy with us Bajaj General Insurance without any break and make no claims in the previous year, we will increase your sum insured by 10% annually. This cumulative bonus is capped at five years or 50% of your original policy’s sum insured, whichever is lower.

Is it possible to renew family health insurance if the primary policyholder dies?

Even if the primary policyholder passes away, a family floater policy still continues to be active and provides benefits for the other dependents covered in the policy. However, proper notification should be issued to the insurer about the demise of the primary policyholder so that the primary policyholder name can be changed to an eligible one.

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